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In The Newspapers

Will home insurance cover your drone?

By Jay MacDonald · Bankrate.com

Make no mistake: Drone use is coming to a backyard near you. New unmanned, remote-controlled aerial drones with onboard cameras can be purchased online for under $1,000. Last week, I noticed that a used drone shop had popped up at my local farmers market.

The Consumer Electronics Association estimates that consumer drone purchases will increase 50% this year, putting an additional 300,000 more recreational drones in the

Flood insurance ‘a melting iceberg’?

By Jay MacDonald · Bankrate.com

This was decidedly not the reassuring message that coastal homeowners want to hear just two weeks into hurricane season.

Brad Kieserman, the outgoing director of the National Flood Insurance Program (NFIP), likened the program to a “melting iceberg” during last week’s testimony before a U.S. House subcommittee on housing and insurance.

The departing director cited the thousands of complaints from Superstorm Sandy as just the latest sign that

Will home insurance pay to do storm clean-up chores?

Our home sustained some damage in a windstorm a few years ago, and I lost time from my job cleaning up, supervising contractors, etc. I heard somewhere that home insurance companies will compensate you for time you spend doing your own disaster cleanup work. Is that true? In case I find myself in a similar situation again, how does that work?

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What home insurance protects from falling trees?

By Jack Hungelmann • Bankrate.com

Q. What kind of home insurance do I need to protect my home from falling trees? — Edmonds

Dear Edmonds,

You’re in luck! Virtually all homeowners policies sold today cover damage to your home from falling trees. This is true whether the tree falls of its own volition or a storm blows the tree onto the house.

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Florida No. 1 in home insurance rates

According to the figures for 2012, Florida remains the most expensive state for the most common type of homeowners policy (Form HO-3), with an average premium statewide of $2,084. That’s more than double the national average of $1,034, well outdistancing our Gulf Coast neighbors Louisiana ($1,742) and Texas ($1,661).

To make matters worse, our average premium not only tops the $2,000 mark for the first time nationwide, it also represents an